| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED HEALTHCARE INSURANCE COMPANY | $253K | — | $253K | 4.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUIAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | MEDIEXCEL HEALTH PLAN | $11K | — | $11K | 7.27% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $4K | $23K | 17.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 17.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $19K | 21.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $802 | $802 | 0.92% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $9 | $11K | 25.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | LANDMARK HEALTHPLAN | $200 | — | $200 | 10.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 809 | $5.7M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 809 | $5.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 437 | $241K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $224K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $170K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 745 | $91K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 809 | $5.7M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,000 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.